VA mortgage rates

Orange County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Orange County, Virginia. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Orange County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Orange County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Orange

A local view of the market.

Orange County, Virginia's real estate market is currently a seller's market, with a median home sold price of $413,834 as of October 2024, reflecting a 4.8% increase from the previous year. The median price per square foot stands at $213, indicating a robust market where homes tend to sell quickly and at higher prices. The top cities in Orange County include Orange, Gordonsville, and Lake of the Woods. Orange, the county seat, has a population of approximately 4,800, while Gordonsville is home to about 1,500 residents. Lake of the Woods, a gated community, adds to the county's residential appeal with its scenic lakeside living. Living in Orange County offers a blend of rural and suburban lifestyles, with agriculture playing a significant role in the local economy. The county's picturesque landscapes and proximity to larger cities make it attractive for those seeking a quieter, rural lifestyle while still having access to suburban amenities. The top industries include agriculture, manufacturing, and retail, and the county sees migration from urban areas as people seek more space and a slower pace of life.

Questions & Answers

Refinancing in Orange County

Common questions about 2026 loan limits and refinancing opportunities in Virginia.

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